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Rates

APY = Annual Percentage Yield.
Rates and APYs accurate as of April 1st, 2016.
Rates and rewards are variable and may change after account is opened.
Fees may reduce earnings.

Kasasa Cash* (Learn More)

Balance Rate APY
Balances up to $25,000 2.03% 2.05%
Balances over $25,000 0.30% 2.05% to 0.65%
All balances if qualifications are not met 0.05% 0.05%

Qualifications

To earn your rewards, just do the following transactions and activities in your Kasasa Cash® account during each Monthly Qualification Cycle:

  • Have at least 1 direct deposit or ACH debit transactions post and settle
  • Have at least 10 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

And if you don’t meet these qualifications, don’t worry. Your account is still free. You’ll also still earn our base dividend rate — and you can get right back to earning your full rewards the very next cycle that you qualify.

Kasasa Saver* (Learn More)

Balance Rate APY
Balances up to $25,000 0.75% 0.75%
Balances over $25,000 0.30% 0.75% to 0.39%
All balances if qualifications are not met 0.05% 0.05%

Qualifications

Qualifying for your Kasasa Cash® or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate too. To earn your rewards just do the following transactions and activities in your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle: 

  • Have at least 1 direct deposit or ACH debit transactions post and settle
  • Have at least 10 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

And if you don’t meet these qualifications, don’t worry. Your Kasasa accounts are still free. You’ll also earn our base dividend rate on Kasasa Saver — and you can get right back to earning your full rewards the very next cycle that you qualify.

Savings Accounts

Account Rate APY Balance Required Minimum Balance to Earn Dividends
Member Savings 0.20% 0.20% $50 $300
Special Savings 0.20% 0.20% $0 $300
Club Accounts 0.20% 0.20% $0 $300
Uniform Gift to Minor Account 0.20% 0.20% $0 $300
Certificate Builder 0.30% 0.30% $25 $25

Money Manager

Balance Rate APY
$1,000 - $9,999 0.10% 0.10%
$10,000 - $24,999 0.20% 0.20%
$25,000 - $49,999 0.30% 0.30%
Over $50,000 0.40% 0.40%

Share Certificates

Term Minimum Balance Rate APY Early Withdrawal Penalty
6 Month $1,000 0.30% 0.30% 90 Days Interest
7 Month $1,000 0.30% 0.30% 90 Days Interest
12 Month $500 0.55% 0.55% 90 Days Interest
15 Month $1,000 0.55% 0.55% 90 Days Interest
24 Month1 $1,000 1.05% 1.06% 180 Days Interest
36 Month1 $1,000 1.15% 1.16% 180 Days Interest
48 Month2 $1,000 1.35% 1.36% 270 Days Interest
60 Month2 $1,000 1.55% 1.56% 270 Days Interest

Quarterly Dividends.

¹Dividend Transfer

²Dividend Transfer and Rising Rate Option Available

For Rising Rate Share Certificate accounts, the dividend rate and APY for your account may, at your option, change once during the original term of your certificate to the current rate being offered on certificates with the same term at the time your Rising Rate option is exercised. The Rising Rate option is only available on certificate accounts with terms of 48 or 60 months and is not available during any renewal term.

Share Certificate Rate Bonus Conditions

  • Active Checking Account +0.10%
  • Full Direct Deposit +0.10%
  • Active SECU Credit Card +0.10%
  • Active Consumer Loan +0.10%
  • Current Mortgage +0.10%

Individual Retirement Accounts

Type Rate APY Minimum Balance
Traditional 0.40% 0.40% $0
Roth 0.40% 0.40% $0

Auto Loans

Auto LoansTermMaximum Amount FinancedInterest Rate APR
(as low as)
New Vehicle
(2014 - 2017)
60 Month 100% 2.99%
New Vehicle
(Cost over $15,000)
72 Month 100% 2.99%
Used Vehicle
(2010 - 2013)
66 Month 100% 3.24%
Used Vehicle
(2010 - 2013)
60 Month 100% 3.24%
Used Vehicle
(2009 and older)
60 Month 100% 3.24%
Used Vehicle
(2009 and older)
48 Month 100% 3.24%

Unsecured Loans

Unsecured LoansTermAPR
Signature Loans 36 Month 7.00%
Visa Platinum Variable Rate 7.50%
Visa Gold Variable Rate 9.50%
Visa Classic Variable Rate 11.50%
Line of Credit Revolving 7.00%

Other Secured Loans

Other Secured LoansTermMaximum Amount FinancedAPR (as low as)
Share Secured 120 Month 100% 4.65%
Certificate Secured Maturity Date of CD 90% 2.50% over CD rate
RVs/Boats Loans 84 Month 90% 6.00%
Motorcycle Loans 60 Month 90% 6.50%

First Mortgage Loans

TermMaximum Amount FinancedAPRRate
30 year with 10 year call 85% loan to value 4.07%^ 3.99%
20 year with 5 year call 80% loan to value 3.61%^ 3.50%
25 year with 5 year call 80% loan to value 3.83%^ 3.74%
15 year (fixed) 80% loan to value 4.81%^ 4.66%

^APR is based on $100,000 loan amount and a Loan Origination Fee of 1% plus a $50 Doc Prep Fee. Minimum loan amount $10,000. 0.10% rate reduction on all Mortgage Loans with an existing State Employees Checking Account or by opening a checking account with State ECU. 0.15% rate reduction when signed up for Automatic Debit of payments. Rate and APR includes auto debit and State ECU checking account discounts. Rates start at listed percentages. Rates are subject to change without notice. Equal Housing Opportunity Lender. OAC

Second Mortgage Loans

TermMaximum Amount FinancedAPR†Rate
15 year - 5 year call 80% combined loan to value 5.46%** 5.24%
7 year - fixed 90% combined loan to value 5.30% 4.50%
10 year - fixed 80% combined loan to value 6.13%** 5.90%

** APR based on $25,000 and a Loan Origination Fee of $375 plus a $50 Doc Prep Fee. 0.10% rate reduction on all Mortgage Loans with an existing State Employees Checking Account or by opening a checking account with State ECU. 0.15% rate reduction when signed up for Automatic Debt of payments. Rate and APR includes auto debit and State ECU checking account discounts. Rates start at listed percentages. Rates are subject to change without notice. Equal Housing Opportunity Lender. OAC

Home Equity Line of Credit

TermMaximum Amount FinancedAPRRate
20 year (5 year draw) 80% combined loan to value 6.02% 6.00%

Document preparation fee of $200.00. Minimum loan amount $10,000.00 - Minimum draw amount $300.00. Payment calculated at 0.50% of principal balance plus interest due monthly.